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Homeowner’s insurance typically covers you against fire, theft and other damage to your home and personal property. Georgetown, TX Homeowner’s insurance also covers your liability in case someone gets inured on your property. Everyone likes to save money on their homeowner’s insurance. But many people assume that saving money equals less coverage. That is not so. Here are some simple things that you can do to save money on your homeowner’s insurance without compromising coverage.

Homeowners insurance Savings

Stop smoking. There are over 8,000 smoking related fires every year in the U.S.

Fix the plumbing, roof, or wiring. If you live in an older home, updating these items can reduce your premiums and improve the value of your home.

Do not put in that pool. Having a pool can be fun, but it increases your personal liability and homeowner’s premiums.

Install a home security system. Home security systems can reduce your premiums and add value to your home.

Increase your deductible. Did you know most people never have a homeowner’s insurance claim? Why not increase your deductible and save money!

Let us shop the market for you. We have access to many markets that can offer competitive homeowner’s insurance premiums.

In the next few days, we will be watching children scramble from house to house in search of the elusive Halloween treat. However, keeping our kids safe as they are out Halloween night is always a concern. A little pre-planning can prevent unfortunate accidents that could turn out to be tragic. Remember, your homeowner’s insurance will cover you in most cases should someone trip and fall on your premises.

Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.

Provide healthier treats for trick-or-treaters such as low-calorie treats and drinks. For your guests, offer a variety of fruits and vegetables.

Be sure walking areas and stairs are well-lit and free of obstacles that could cause someone to fall.

Keep candle-lit jack o’lanterns and luminaries away from doorsteps, walkways, landings, and curtains. Place them on sturdy tables, keep them out of the reach of pets and small children, and never leave them unattended.

Remind drivers to watch out for trick-or-treaters and to drive safely.

Safety tips for kids

Never, ever, go into a house.

Costumes should be short enough to prevent children from tripping and falling

An adult or an older responsible child should always accompany young children. Even older children should go trick-or-treating with an adult, or with friends. Never go out alone.

Summer has arrived and many people are hitting the road. In the summer months driving time increases, so it is important to be a defensive driver. In addition, in the summer, thousands of young, inexperienced drivers are on the roads, increasing the risk of accidents. We all want to have a safe and fun-filled summer, so here are some driving safety tips to ensure that your summer is truly enjoyable. Remember, we have access to very competitive auto rates, and we offer great service at affordable prices.

Summer Driving Safety Tips

Do not drive if you are tired.

Keep your tank full of gas.

If it just rained, the road can be slick from road oils and water.

Wear sunglasses help cut out glare.

Watch for construction zones, as roadwork increases in the summer months.

Never text and drive, and always wear your seatbelt.

Bicycles and motorcycles are sharing the roadways. All drivers must be carefully educated to watch for, and avoid, bicyclists and motorcyclists.

Make sure your brakes are working correctly.

It is important to use your headlights in the daytime, not so much, so that you can see, but so that other cars can see you.

Check your tires, and make sure they are fully inflated.

Remember weather conditions can change quickly, so plan extra time to get where you are going. Don’t ever assume your time on the road will be uneventful. You could be stuck in traffic for extended periods, so it is always a good idea to travel with water and some energy bars.

There is no denying the fact that the success of your business depends on the hard work of you and your team. But one disaster can wipe out all your efforts and take the profits to dust. So, to avoid such a situation, you need to insure your business; whether it is a small enterprise or a large corporation.

There are insurance companies which have policies that combine protection for all major property and liability risks into one package. You can also opt for separate coverage. Such a policy is called a Business Owners Policy (BOP). Larger companies tend to purchase a commercial package policy.

What Is Included In A BOP?

BOP’s include property insurance for buildings and equipment owned by the company. If there is any loss of income due to disruption of operation and business because of accidents like fire, it can be covered under the Business Interruption Insurance.

A BOP also covers the company’s legal responsibility for the harm it may cause to others, (bodily injury and property damage) as a result of your company’s negligence. BOP’s can also include professional liability, auto insurance, and workers’ compensation insurance. Earthquake/Flood is not included in most BOP’s.

Almost every business large or small needs some level of added protection afforded by a commercial umbrella insurance policy. A commercial umbrella policy provides a layer of coverage over and above a primary business and auto policy. There are at least five important lessons, or facts, to be aware of when considering commercial umbrella insurance.

An umbrella policy can, but may not always, provide the same coverage as the primary policy. If you have a “following form excess policy” you can be guaranteed that the excess policy will provide the same coverage as the primary policy.

Most umbrella policies require at least $1 million dollars of primary or underlying limit.

Umbrella pricing is usually a predetermined rate based on the underlying premium, but can include the judgment of the underwriter.

If the primary policy has additional insured’s, they will carry over into the umbrella policy.

Umbrella policies may have exclusions not found in the primary policy; for example, pollution, workers’ compensation, and product recall. If you have a true following form excess policy, your exclusions will be the same as in the primary policy.

Our Commercial Excess Liability, or Umbrella, insurance policy gives your business an added layer of liability protection over and above your commercial policies. For example, if you have $1 million in general liability coverage and a covered claim is settled for $1.5 million, your business’s umbrella liability insurance policy would pick up the additional $500,000 amount.

The personal insurance needs of our society have evolved over the years. It is interesting to look back to see what has changed in the world of safety and insurance. As you think about these personal insurance issues, also think about how your insurance may respond today.

Here are a few examples of how safety, liability and personal insurance have changed in our society through the years.

20 years ago, it seemed normal for dogs to have total freedom in the neighborhood. Now leash laws prohibit that. This has reduced the number of dog bite claims.

Many people can remember when we used to hold babies in our laps in the front seat of the car while we were driving! Fortunately, we now have car seats to protect our little ones.

Do you remember how every office used to be filled with second hand smoke? Now we have workplace regulations that protect employees from smoke-polluted air.

Do you remember “party lines”? We shared home phone lines with our neighbors. We often would pick up the phone and hear Mr. Smith talking to his daughter. Privacy laws would not allow that now!

Smoking in public was common 20 years ago. Now, through education and medical research we all understand the effects of second hand smoke.

Drinking and driving – Believe it or not, there was a time when a person could leave a party buzzed or drunk and no one would think twice. Thankfully, laws and education have helped us understand the personal liability issues around driving while impaired.

Cell phones – When mobile phones first came out, everyone was driving and talking on their phones. It seemed normal until we learned how distracted driving is like driving drunk.

Auto insurance – The number of uninsured drivers has been reduced since most states now require proof of auto insurance. However, in some state there are still 30% of drivers without auto insurance.

Smoke detectors – In the 70’s, the way we knew our home was on fire was to see the flames. With the introduction of smoke and fire prevention, we have reduced deaths form home fires.

Personal insurance needs change with the times, and the insurance we offer changes to meet your individual needs.